Fraud scams are on the rise! Know the Red Flags.

Stop, Think, Validate before you give anyone personal account information. Learn more about these scams.

Go to main content


Personal Checking Accounts

Free, No Fee and High Yield

Open Account Online

masthead banner

Everyone has seen offers for free or no-fee checking accounts at credit unions, but what do you really get with those free accounts? Usually, not much. Genisys Credit Union personal checking accounts offer much more than just the basics you might get with some of those other accounts. With our no-fee checking accounts you can take advantage of several convenient benefits.

 

 

Including all the Benefits

 

vertical bar chart icon

No Minimum Balance, No Monthly Maintenance Fees 

Our personal checking accounts offer our members more for less with zero monthly fees and no minimum account balance. Miscellaneous fees may apply. View our complete fee disclosure.

half cash half card icon

Free Genisys Rewards Debit Mastercard® with Double Play Rewards

The Genisys Rewards Debit Mastercard® is the passport to safe, fast Checking account access and the free Genisys Rewards program. Earn 1 point for every $2 you spend by signing for transactions with your debit card.

mobile phone with dollar sign icon

Free Mobile Banking and Online Banking

Convenient, on-the-go access to all your checking accounts and savings accounts with the Genisys Mobile Banking App, available for download on the App Store and on Google Play. Keep up to date anytime or anywhere with Genisys Online Banking, we’re open 24/7.

paper with dollar sign and bar chart icon

Free Bill Pay 

Pay bills directly from your checking account, set up an unlimited number of merchants and schedule payments in advance with Mobile and Online Bill Pay. Free with all Genisys Credit Union Checking accounts if enrolled in eStatements.

atm icon

Nearly 30,000 Surcharge-Free ATMs nationwide

Genisys is part of the CO-OP Shared Branch network, which means you’re welcome at over 5,600 shared branch locations and nearly 30,000 surcharge-free ATMs nationwide. Plus convenient access to ATMs at our Genisys Branch Locations.

Umbrella with a dollar sign and shield icon

Overdraft Protection 

Protect your checking account with Overdraft Transfer Service linked to your primary share account or Personal Line of Credit. Must enroll and qualify for each.

 

Genius High Yield Checking

Earn 6.75%APY with Genius High Yield Checking!1

Genisys Credit Union offers an impressive high yield checking account plus Debit Rewards without a bunch of hoops to jump through! Find out how easy it is to be a Genius Checking member.

four friends taking a selfie together

Genius High Yield Checking
Effective Date: Saturday, December 7th, 2024
Dividend RateAPY*Minimum Balance
6.55% 6.75% $0

Open an Account

Annual Percentage Yield designated as APY. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn stated APY. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. Balances above $7,500 earn .05% APY. See Genius Checking page for details.

 

Basic Checking
Effective Date: Saturday, December 7th, 2024
Dividend RateAPY*Minimum Balance
0.00% 0.00% $0

Open an Account

Annual Percentage Yield designated as APY.

 

Interest Checking
Effective Date: Saturday, December 7th, 2024
Dividend RateAPY*Minimum Balance
0.10% 0.10% $1,500

Open an Account

Annual Percentage Yield designated as APY. Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.

 

Checking Account FAQs

 

Get Started

How would you like to begin?

Open an Account Find a Branch Contact Us

Need to Reorder Checks? We make it easy, order checks online!2

Reorder Checks

1. Current checking members must upgrade account through Online Banking or by contacting a branch. When logging into Online Banking current members can click on the “Genius Checking” link on the left sidebar to begin your Genius upgrade. To enroll in estatements, simply login to Online Banking. Click on “eStatements” on the left sidebar. Click on "I prefer eStatements" and agree to the disclosure. Annual Percentage Yield designated as APY. Balances over $7,500 will earn .05%APY. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. See full Truth In Savings Account disclosure.
2. Online check orders CAN NOT be used for your first order of checks on your account. Please visit your local branch or call a Financial Service Representative at 248-322-9800 or 800-521-8440 ext. 5 to request your first order of checks.

Go to main navigation